Use A Specialist
Disability Insurance can be confusing. Most insurance agents
don’t know how the contracts work. You wouldn't have a physical done
by a anesthesiologist just because he has a PhD.
*DI-Pros only uses specialists.
Company Ratings
If you become disabled, you will be depending on the insurance company
to be financially secure. Insurance companies are rated by the four major rating
services: Standard & Poor’s, Moody’s Investors Services, FitchRatings and A.M. Best.
*DI-Pros will not use any company below the top ratings.
Group Savings
If 4 or more people purchase individual policies together there can
be substantial savings.
Premium
Expect to pay 1% to 4% of your income.
___________________________________________________________
Suppose your employer made you these two job offers:
§ Job 1:
You are making $5,000 a month as long as you’re working and
$0 if you are unable to work due to illness or injury.
§ Job 2:
ü You are making $4,915 a month as long as your working and $3,990 a month as long as you are disabled. Payable from your individual disability policy.
Which job would you rather have?
